vickie reue, WOW, I can’t believe people are still going for the loan mod fiasco..I though HAMP was over a long time ago……….If they give you a loan mod and they don’t own your loan..they are commiting more fraud… they are creating a debt out thin air..First make them prove they even own your loan..wheresthenote.com…If this is an unsecured debt that means they committed securities fraud in your name among many other frauds I am sure….Than their contract is a nullity…..

Lynn Szymoniak you are a hero! Wow. Those poor people. I hope someone will make it up to them. Thank you for noticing and bringing it to someone’s attention. How sad that someone would take away someone else’s American Dream. When I took out my home loan I was told I had a fixed rate, was working 16 hours days, was a single mother and had very little time to spend… was told to come back and sign the next day and when I did, to my surprise was presented with an adjustable rate… A classic bait and switch. I still have the documents and would love to right the wrong if you ever have the time. Rebecca

They finally took our home!!! David J. Stern, U. S. Bank, Wells Fargo, L.P.S., Pro-Vest, Nations Title, Cullen Lewis, Scott Strady, Fremont Investment, United Trust have now taken our home. I tried everything even up to the up to the last moments including trying to file stuff at the clerk they wouldn’t take, meeting with attorneyswho wee either too scared to stand up against the Manatee County Judges/Courts and theirs collegues or they just didn’t know what to do. They all said “yes” I we got screwed and there is fraud, but if I had only had money and come to them with it a few years ago…. Even though it was a fraud mortgage, as a last minute effort to save our home I tried a modification last week both through the servicer and HAMP. HAMP called them with an escalated post-ponement request advising them I had applied for a modification that could greatly reduce my payments keeping us in the home. However being the crooks that they are, Wells Fargo and their new Attorneys Kass Schuler Soloman, etc. said said on the phone they had already submitted their own request to post-pone the sale, but then they “accidentally” made a mistake and didn’t activate their own post-ponement request in time and in addition didn’t observe HAMP’s request for a post-ponement either. They did a last minute submission of another post-ponement, but ate up the clock playing the blame game between themselves rather than fix their error and then the fraud bank bought the property back from themselves on-line. Now we have 9 days left until title is issued and then NOOOOO place to go. We’ve tried, but with this foreclosure hitting my once good credit, I’m now at a whopping 465 credit score and landlords aren’t giving us a second chance.

On a seperate note I do want to say a sincere thank to those who did try to offer us helpful advice. I turly hope you guys get them before they get your homes. Best Wishes

Do not sign anything. Go back to your Certified Housing Counselor and request a mediation. You do not want a HAMP loan or loan modification as they are designed to set up the homeowner for failure and the fees are excessive. Do not waste any time. Dont know your situation……but I would request a prinicipal reduction and lower interest rate. Be careful of attorneys…….been there for 5 years………some attorneys have alternate goals that will not benefit you and your family in the end. Our attorney charged us $1,000.00 for a loan modification and then told us to get used to it……….we were going to lose our house. I truly believe his company wanted to buy our house. We severed ties 1 year ago and I recieved paperwork 2 weeks ago signed by the Judge that Summary Judgement of Foreclosure has been vacated. CitiMortgage has tried to do the same things to us as you refer above. Just get that sale date stopped! Good Luck……..keep me informed. My email is waldon.imanda@yahoo.com.

Thank you for the kind words of encouragement. yes, I tried the ST Pete Housing Authority approx 1 year ago and that is when Wells Fargo/ASC said to move back in and that we qualified for HAMP but they “mistakenly” entered” in our information wrong the first 2 times and strung us along for several months and then the 3rd time they had us reapply on our own beacuse they said we no longer qualified for HAMP for 2 reasons because we had exceeded the number of applications due to their errored entried which they were sorry about but couldn’t fix. Then they said we qualified for an in-house modification and strung us along for several more months only to tel us that we didn’t meet the “mystery” lenders and their “mystery” criteria which they didn’t even know and would NEVER be able to disclose if they did. So the only option they left on the table for me was to give them a HUGE lump sum payment and for me to sign documents to a higher payment they could still call the entire amount due if they chose IMMEDIATELY and proceed with the foreclosure anyway. My attorney advised they were just trying to get what lump sum payment they cuold from me, get me to sign new papers agreeing to pay to the amounts on the fraudulant documents and then foreclose on me anyway like they had done on so many others. They were trying to take my approx $900 mortgage payment to approx $2600 mthly and wanted me to agree to pay for an increase from $approx $240k to approx $400K for a home now only valued at approx $134K based on already admitted fraud docs by Fremont. I just can’t afford that, yet they know I can’t afford to be homeless either. How can this be right?! Doesn’t it go against every thing we were taught, what we teach our kids and what the Justice sytem stands for?! I’m ashamed for them!

That is how the banks and mortgage companies operate. They wear you down physically, mentally and emotionally. But………DO NOT GIVE UP! Something GOOD has to happen out of all of this. The word is spreading, corruption is being recognized in every court room across America. American people are tired of this government ripping us ALL off. Something has to happen……….Keep your head up, continue to be a good example for your children………..and I will pray for you. Please let us know how things work out. Have you contacted a Certified Housing Counselor through HUD. Its free and they were most helpful to us. GOOD LUCK!